Xin Lang Cai Jing·2025-10-22 00:35Core Viewpoint - The article discusses the recent initiative by banks in China to clean up long-dormant accounts, referred to as "sleeping accounts," which have become a significant concern due to their potential risks and operational inefficiencies [1][8]. Group 1: Overview of Sleeping Accounts - There are over 10 billion bank cards in China, with an average of about 7 cards per person, leading to many dormant accounts [1][9]. - "Sleeping accounts" are defined as those that have not been actively used for a long time, often forgotten by customers [3]. - Different banks have varying criteria for identifying sleeping accounts, typically based on "long-term inactivity" and "low balance" [3][5]. Group 2: Recent Cleaning Initiatives - Several banks, including Xiamen Bank and local rural banks, have announced plans to clean up dormant accounts, expanding the scope to include electronic accounts and mobile banking [5][6]. - For instance, Xiamen Bank has adjusted its criteria to include accounts with balances below 10 yuan and no transactions for over a year [3][5]. - The cleaning efforts are primarily led by local small and medium-sized banks, particularly in rural areas, where account management issues are more pronounced [6][8]. Group 3: Risks and Operational Efficiency - The cleaning of sleeping accounts is driven by the need to mitigate risks such as fund misappropriation and personal information leakage, as these accounts can be exploited for illegal activities [8][9]. - Approximately 30% of fraud cases are linked to dormant accounts, highlighting the security risks associated with them [8]. - Maintaining these accounts incurs hidden operational costs for banks, making the cleanup a necessity for optimizing resource allocation [9]. Group 4: Customer Guidance - Customers are advised to conduct regular checks on their accounts and can use the Yunshanfu app for inquiries [13]. - For accounts that are no longer in use, customers should promptly close them through official bank channels to avoid risks [15]. - If an account has been restricted, customers can reactivate it by visiting a bank branch with proper identification [11][15].